La Ikhadi le-MOA yeCIC Est un ezinokufumaneka ngogunyaziso olucwangcisiweyo 2. Kwi-akhawunti nganye yokutsalwa kwemali eseleyo Est ubuzile: le misebenzi ayinakwenziwa qu'kwimeko que le ibhalansi yeakhawunti yanele okanye yintoni lUgunyaziso lwe-ovadrafti alugqithwanga.
Ngendlela, yintoni umehluko phakathi kwekhadi leVisa kunye ne-Mastercard? ivisa et Mastercard : into ukubeka ? Kwelinye icala, uphawu IVisa na ekhoyo kumazwe angama-200 kwaye Est eyaziwa kumazwe ngamazwe ngamakhadi ayo okuthenga ngetyala kunye namakhadi ebhanki. Enye, I-Mastercard yiyo esekwe kumazwe angama-210 kwaye Est endaweni yoko yamkelwa ngamakhadi ayo okuthenga ngetyala kunye neemveliso zokuhlawula kwangaphambili.
Yeyiphi eyona mali iphezulu inokutsalwa kwi-ATM ye-CIC? I abasasazi oluzenzekelayo CIC kunye neCredit Mutuel ikuzisa ukuya kutsho kuma-600 eeuro ngosuku 8. EFransi nakwamanye amazwe, ukurhola ukuya kuthi ga kwi-600 yee-euro ngeveki 9 uya abasasazi oluzenzekelayo. Hlawula ukuya kuthi ga kwi-4 ye-euro eqokelelwe ngenyanga 10 kumaziko abonisa iilogo zeCB okanye zeMastercard.
Kuphi ukubona isilingi yakhe yeCIC? Uya kufumana i iisilingi yamakhadi akho kwindawo yabathengi bakho okanye kwisicelo esiphathwayo CIC.
Nangona kunjalo, ndiyenza njani idiphozithi yeCIC?
Idiphozithi itshekhi okanye imali.
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Impendulo efanelekileyo kwimfuno yakho nganye
- Khetha uhlobo lokubhalisa (ngeveki, ngenyanga, njalo njalo).
- Qinisekisa intengiselwano yakho ngokufaka ikhowudi yekhadi lakho letyala eliyimfihlo.
- Beka ipasi lakho lezothutho kwindawo elungiselelwe le njongo ukuqinisekisa ukusebenza.
Ungalunyusa njani ugunyaziso lwakho lwe-CIC olugqithisiweyo?
Ukucela ukwanda kwe fumanisa ugunyaziwe CIC , kufuneka uqhagamshelane nomcebisi webhanki nokuba:
- Ngokuya kwi-arhente.
- En le ukunxibelelana ngefowuni.
- En le ukunxibelelana nge-imeyile ngengingqi yabathengi CIC .
- En le ukunxibelelana nge-app yeselula CIC .
Ndiyifaka njani imali kwiakhawunti yam? Le idiphozithi kwi liquide
Oku kubandakanya ukubeka imali ngqo kwifowuni yakho compte nokuba kwikhawuntara okanye kwi-automaton. Okufuneka ukwenze kukubonisa kwisiliphu le inani le compte ufuna ukufaka ityala. Idiphozithi yemali iyasebenza kakhulu kuwe yibale kwangolo suku.
Ndiyizalisa njani imvulophu yediphozithi? Ukugcwalisa ukutyibilika kwe idiphozithi. Qinisekisa ukuba ulwazi olukwiplagi luchanekile. Ingcaciso eninzi kwisiliphu iya kuprintwa. Igama lakho, idilesi, igama lebhanki kunye nedilesi, kunye nenombolo ye-akhawunti kufuneka sele ikhona.
Indlela yokwenza i-e-drawawal?
Khetha elinye lamakhadi akho anenkonzo E-yokuyeka yenziwe yasebenza. Cofa ku Yenza inombolo entsha yenyani. Faka ikhowudi yekhadi lakho leSitshixo soMntu olicelileyo. Khetha E-yokuyeka uze ufake isixa se yokuyeka yemali efunekayo (phakathi kwe-€20 kunye ne-€200 kunye nokuphindaphindwa kwe-€20).
Ungawunyusa njani umda wokudluliselwa kwe-CIC? amagqabantshintshi tshintsha inani a ukudlulisa ngokusisigxina ?
- Kwimenyu yeMisebenzi, cofa Udluliselo ngokusisigxina.
- Kwicandelo Landela, cofa kwindawo Yakho ugqithiselo ngokusisigxina.
- Khetha i ukudlulisa ufuna ukuyitshintsha ngokunqakraza kwisihloko sayo.
- Cofa Hlela phezulu ekunene kwephepha.
Loluphi ugunyaziso lwe-ovadrafti?
Isilingi kunye nobude bexesha le fumanisa zibonelelwe kwisivumelwano se-akhawunti okanye kwi-ugunyaziso ekhethekileyo. Nangona kunjalo, i fumanisa ayinako ukudlula kwiinyanga ezi-3 ezilandelelanayo. Ukuba kungaphezulu kweenyanga ezi-3, ibhanki kufuneka ikwenzele isithembiso setyala, esisebenza iintsuku ezingama-30.
Ndingayifaka malini ebhankini ngaphandle kobungqina? Ngokomgaqo, akukho mda kwidiphozithi yemali kwi-akhawunti yakhe zebhanki umntu ngamnye. Ngapha koko, ngaphandle somme ye 8.000 euro, i bank kuya kufuneka ukuba akucele i ubungqina kwimvelaphi yemali.
Yeyiphi eyona mali iphezulu enokufakwa ebhankini?
zigcinwe kwi-€ 1. Le siling kungaba inyuswe ukuya kwi-euro eyi-15 ngokuxhomekeke kwiimeko.
Ndiligcwalisa njani iphetshana lokuhlawula?
Ngokubanzi, a isiliphu mayiqulathe olu lwazi lulandelayo:
- iinkcukacha ezipheleleyo zomgcini-mali kunye nomxhamli (kwimeko yokudluliselwa);
- iinombolo ze-akhawunti;
- umhla kunye nendawo;
- ubume bentengiselwano;
Uyisebenzisa njani i-e-withdrawal? amagqabantshintshi vula inkonzo E - Ukurhoxa ?
- Yiya kwicandelo leMaphu leNdawo yoMthengi wakho.
- Khetha elinye kumakhadi akho emva koko ucofe kwi-Virtual Numbers.
- Vula inkonzo E - Ukurhoxa ngokwamkela imiqathango ye ukusetyenziswa yenkonzo.
Indlela yokurhoxisa imali ngaphandle kwekhadi? Ukuba awunayo ezinokufumaneka bank kodwa ufuna susa de l 'Argent imali, qhagamshelana nomcebisi wakho ukuze wenze ukutsalwa kwe-e-bank. Uya kukuthumelela ikhowudi nge-sms kwifowuni yakho eya kukuvumela ukuba wenze njalo susa l 'Argent kumthengisi iCredit Mutuel okanye iCIC.
Uyenza njani ukurhoxiswa kweSMS?
Ukusuka kwi-app yam yeselula:
- Ndicofa kwimenyu Ukurhoxiswa kweSMS ».
- Ndikhetha iakhawunti yam yediphozithi.
- Ndibamba i yokuyeka enqwenelekayo (ukusuka kwi-20 ukuya kwi-500 enkulu).
- Ndifumana i i-SMS ngekhowudi eyimfihlo ye yokuyeka Amanani ali-9.
- Ndiya kumsasazi ( 2 ) umatshini wamatikiti.
Indlela yokwenza ugqithiselo lwangaphandle kwiCIC? Yenza ugqithiselo lwe-CIC
- Yiya kwi Operation thebhu.
- Cofa kwithebhu Udluliselo .
- Yongeza inombolo yeakhawunti yomkhiphi.
- Faka inombolo yeakhawunti yoMbonelelwa.
- Faka Isixa.
- Jonga ulwazi.
- Ukuqinisekisa.
Ulenza njani utshintshiselwano olukhawulezileyo ngeCIC?
galela yenza ugqithiselo olukhawulezileyo, vele uhambe sur indawo yomthengi wabo kwaye ukhethe ukhetho ugqithiselo olukhawulezileyo. le ukudlulisa yenziwa ngaphantsi kwemizuzwana eyi-10 phakathi kweeakhawunti ezimbini. Eli nqaku lifumaneka iiyure ezingama-24 ngosuku, iintsuku ezisi-24 ngeveki kwaye ixabiso layo liyahluka ngokweebhanki.
Kutheni ibhanki yam yala intlawulo ye-Intanethi? Esinye sezizathu eziqhelekileyo zokuba kutheni a ukwala de inkokhelo ezinokufumaneka zebhanki sur intanethi ifunyenwe, kukungabikho kwemali kwi-akhawunti. Ewe, ukuba ibhalansi yeakhawunti yakho yangoku itsalwayo okanye ukuba ufikelele kumda ogunyazisiweyo we-overdraft, inkokhelo sera wala sur intanethi.
Ndilufumana njani ugunyaziso lwe-ovadrafti?
Ngokuxhomekeke kwimeko kunye nemeko yemali yomxhasi, ii-overdraft inokunikwa ngokukhawuleza ukuba i-akhawunti ivuliwe, okanye, i-posteriori, ngesicelo esicacileyo sombhalisi. Kuzo zonke iimeko, ivelisa uxwebhu olubhaliweyo oluqulunqa isixa-mali, izinga kunye nemigaqo yokubuyisela.
Lusebenza njani ugunyaziso lwe-overdraft? Ibhanki inako ukuvumela un fumanisa ngokukodwa kwaye ngaphandle kwesivumelwano sangaphambili. Kule meko, idla ngokuba a fumanisa imali encinci kunye nexesha elincinci. Nangona kunjalo, unako ukwenza amalungiselelo kunye nebhanki yakho ugunyaziso de fumanisa.
Ndilucela njani ugunyaziso lwe-ovadrafti?
(Madam, Mhlekazi), Ukusukela (umhla wokwenziwa kwe-akhawunti), ndibambe i-akhawunti kwibhanki yakho enenombolo: (chaza inombolo ye-akhawunti). Ndifuna ukuxhamla kwi-a i-overdraft iyaqhubeka isixa (chaza) euro, ukusuka (umhla ofunekayo).
Ingakanani imali evumelekileyo? Intlawulo nge iintlobo zeumntu kumntu oqeqeshiweyo okanye phakathi kweengcali ugunyaziwe ukuya kuthi ga kwi-€ 1. Le siling iphakanyiselwe kwi-€ 000 ukuba indawo yerhafu yomntu othengayo iphesheya kwaye bahlawula iindleko zomntu (umzekelo, ukuthenga. disithuthi esisetyenziselwa bucala).
Ngaba ndingenza utshintshiselwano lwe-20.000 ye-euro?
Ubuninzi bexabiso elinye ukudlulisa ibhanki yebhanki ngebhanki. Njengoko kuchaziwe ngasentla, akukho mda wesilingi enye ukudlulisa esemthethweni.